We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 69825 results
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Decision Reference DRN0084718
29 Jan 2015 Tesco Personal Finance PLC UpheldPayment protection insurance (PPI)Tesco Personal Finance PLC (Tesco) sent part of the compensation for a mis-sold payment protection insurance (PPI) policy to a third party debt collecting agency (DCA). Miss A says Tesco should pay all the compensation directly to her. backgroundMiss A took out a loan with Tesco, at the ... (3 pages)View decision -
Decision Reference DRN2572109
22 Jun 2015 Canada Square Operations Limited Not upheldBanking and creditMrs H complains that Canada Square Operations Limited went back on a deal it made with her. She says it agreed to accept £2,000 in full and final settlement of her debt. But it then sold on the debt – most likely as a result of an administrative mistake on its... (2 pages)View decision -
Decision Reference DRN-2566872
8 Feb 2021 MBNA Limited UpheldBanking and PaymentsDRN-2566872 The complaint Mrs T complains that MBNA Limited has defaulted her credit card debt, although she says that she’d agreed a payment plan with MBNA. Mr T brings this complaint on her behalf. What happened Mr T said that Mrs T had reached an agreement with MBNA to pay off her cred... (3 pages)View decision -
Decision Reference DRN4523463
19 Dec 2019 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Ms S doesn’t think it’s fair that The Royal Bank of Scotland Plc (RBS) has used the compensation it offered her for the mis-sale of payment protection insurance (PPI) on six loans to reduce the debt which it says remained unpaid by her. Ms S doesn’t think she had unpaid debt of the amount ... (5 pages)View decision -
Decision Reference DRN5889434
19 Mar 2015 HSBC Bank plc Not upheldBanking and creditMr G complains that HSBC Bank plc failed to refund unauthorised payments taken from his current account and unfairly applied account charges. backgroundMr G took a short-term loan and says that the short-term lender wrongly took repayments from his current account with HS... (3 pages)View decision -
Decision Reference DRN0885479
23 Dec 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMr C complains that Cabot Credit Management Group Limited obtained a County Court Judgement (CCJ) against him before he had a chance to set up a payment plan.backgroundMr C had a credit card debt which Cabot bought in September 2015. Cabot wrote to him to let him know and asked that he con... (2 pages)View decision -
Decision Reference DRN4530028
21 Apr 2015 National Westminster Bank Plc Not upheldBanking and creditMr O complains about the way National Westminster Bank Plc treated his complaint and says this led to him incurring a large amount of legal fees.backgroundMr O says he has been badly treated by the bank in a number of ways. He had previously complained to this servi... (2 pages)View decision -
Decision Reference DRN-3998953
27 Jun 2023 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-3998953 The complaint Miss S complains Lantern Debt Recovery Services Ltd trading as Lantern started getting in touch about a debt which she didn’t know if it was hers. She’s also unhappy with Lantern’s responses which she’s said are confusing – and have mentioned different companies. ... (2 pages)View decision -
Decision Reference DRN-2177948
21 Sep 2020 TSB Bank plc Not upheldBanking and PaymentsDRN-2177948The complaintMiss G complains that TSB Bank plc (TSB) should have advised her differently when accepting a payment plan from a debt charity when defaulting on her credit card account would have been a better option for her. What happenedMiss G has a credit card account with TSB ... (2 pages)View decision -
Decision Reference DRN6912140
28 Feb 2017 MBNA Limited Not upheldBanking and creditMr M complains that MBNA Limited won’t accept a reduced payment towards his credit card account debt. He wants it to remove a default it applied to his account.backgroundMr M was in a debt management plan supported by a debt management charity. After a review, he a... (2 pages)View decision
